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Required Minimum Bodily Injury Coverage
$25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
$25,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
Uninsured Motorist (UM) Coverage. In Texas, UM includes underinsured motorist (UIM), and must be offered to all automobile owners. It must be purchased in at least the minimum amount of bodily injury coverage required, and it can never be purchased in a greater amount than the bodily injury coverage that is purchased.
Personal Injury Protection. This coverage is optional for automobile owners. It cannot exceed $2,500 per person for all medical expenses, funeral services, and lost income. Rejection must be in writing. PIP is paid out without regard to fault.
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Important Links
Texas Department of Transportation
500 North Church Street
Palestine, TX 75801-3008
Phone: 903-723-7416
http://www.dot.state.tx.us
Includes sections for registration, titles, and driver licensing.
Texas Department of Insurance
333 Quadalupe
Austin, TX 78701
Phone: 512-463-6169; toll free: 800-578-4677
http://www.tdi.state.tx.us
Consumers can access insurance complaint forms and read consumer advice. A VERY nice feature on this site allows to to view insurance agents and insurance company licenses, and view their latest complaints. Insurance company profiles include justified complaints filed through the Texas Dept of Insurance.
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